A personal umbrella policy is designed to provide additional liability protection above required underlying insurance. The review therefore starts with what you already have: auto liability, homeowners or renters liability, vehicles, drivers, properties and other liability exposures.
Households with teen drivers, multiple vehicles, rental properties, watercraft, recreational vehicles, pools or other significant exposures may have more reasons to examine liability limits carefully.
An umbrella quote is not independent of the underlying policies. Carriers often require minimum underlying limits and may have rules about which exposures must be scheduled or insured.
The right question is not simply whether you have valuable assets. Liability risk can also involve future income and the cost of defending a covered claim, subject to the actual policy terms.
Start at cjhadisa.com/quote/umbrella to provide the underlying coverage and household information C.H.A. needs for a review.
Review your protection options